Thank you, Mr. Chairman.
Good morning to everyone.
My first question is for Mr. Arnold and Ms. Bose.
At the end of your intervention, you made some recommendations that we have not often heard at the Standing Committee on Finance. I find your recommendations particularly interesting. You represent consumers who, in the final analysis, are the hardest hit by the current crisis. These are the people who are losing their jobs and dealing with major credit problems. In addition, they're the first ones to be stung, either by banks or businesses offering various consumer items and advertizing in an effort to get their money.
It is clear that you want the government to define clear rules for the government itself and banking and financial institutions that receive assistance. I find that quite relevant. There is also another side to the coin. There should be accountability rules for consumers. Did I understand you correctly?